The Reserve Bank of India (RBI) has Revised Fixed Deposit Rules to provide maximum financial support to people in getting higher payment and losing fewer amounts while operating Fixed Deposit. RBI is implementing these changes from the 1st of January 2025. Various benefits can be provided to people with implementation of new changes in the banks. Housing Finance Companies (HFCs) and Non-Banking Financial Companies (NBFCs) need to apply these changes that can contribute in providing financial relief to public. RBI released the circulation related to changes on August 12, 2024.
The banking sector needs to apply these changes in the banks to help people get these benefits after the implementation of changes in FD Rules 2025. Therefore, you must update your information with new changes in the FD to get best possible benefits. Various benefits are provided that may include premature withdrawal, premature portion withdrawal, and premature full withdrawal of the amount without penalty.
FD Rule Changes By RBI In 2025
Indian banking customers are now able to use different benefits related to Fixed Deposit (FD). It can allow them to reduce their penalty and improve the utilization of their funds. Therefore, all the HBCs and NFBCs need to follow RBI guidelines to implement and support people getting higher support. 2025 FD Rules Changes will provide financial relief for many people making fixed deposits for higher returns.
Gathering information on latest changes can help you to get benefits while using this FD services. This article explores FD Rules Changes by RBI In 2025 to support in reducing financial loss due to premature withdrawal and relevant issues. This article also explores different benefits of implementing change and interest rates for Fixed Deposit in banks.
RBI FD Rules Changes for 2025- Overview
| Article On | FD Rule Changes By RBI In 2025 |
| Country | India |
| Department | Reserve Bank of India (RBI) |
| Beneficiary | Indian |
| Amount | According to |
| Category | Finance |
| Official Website | rbi.org.in |
RBI Guidelines for HFCs and NBFCs New Fixed Deposit
All the banking institution comes under RBI where they have made some changes in the rules for the customer making FD. All the NBFCs and HFCs are restricted from applying these changes in the banks. So, people need to check the full information on RBI Guidelines for New Fixed Deposit to provide higher financial support. You can check the following statement to understand the changes for the year 2025.
Small Deposit
People with make small deposits up to Rs 10,000 are able to make premature withdrawals without paying any penalty. An individual can withdraw their small amount 100% if they claim this payment within three months of the acceptance. Moreover, there will not be any interest provided for the deposit amount for that period when the deposit was running for the interest amount.
Larger Deposit
For large deposits of more than Rs 10,000, people can also make premature withdrawals their amount if they apply to get their payment up to 50% or the maximum of the principal deposit amount of Rs 5 lakh, whichever, is less. However, RBI FD Rules 2025 includes that it is only possible if individuals claim their payment without three months of the acceptance of these deposits. This withdrawal will not get the interest amount except the remaining amount as the deposit.
Full Withdrawal
Any individual facing a critical illness can request to get 100% of their deposit if they apply within three months of the acceptance. People will not get any interest on the deposit amount and this payment can be reimbursed, interest-free.
Emergent Withdrawal
People need to know that emergency costs include only certain conditions like medical emergencies, natural disasters, or government-declared calamities. So, people need to stay updated on these FD Rules Changes 2025 to take full benefits when required.
Current Depositor
You also need to know that these changes are also applied to that deposit that has not crossed the three months after acceptance of the deposit. This means, that people can also get benefits from now if they are current depositors who did not cross the month for their deposit amount.
Maturity Notification
According to 2025 FD Changes in banking, NBFCs were expected to inform customers about the maturity at least two months earlier. With the latest changes, NBFCs need to inform depositors about the maturity minimum 14 days earlier. This can help depositors to plan their investments accordingly.
RBI FD New Interest Rates
People need to know that banks offer higher interest rates for the FD that allow returning higher amounts in comparison to saving accounts. You need to know that FD allows compounding interest rates for the tenure that provides higher return especially when invested for a longer duration. FD New Interest Rules allow depositors to earn interest on both principal amounts as well as accumulated interest over time.
Highest FD Rates 2025 for Public Sector Banks
| Bank Name | Highest Interest Rates (% p.a.) |
| Bank of Baroda | 7.3 |
| Bank of India | 7.3 |
| Bank of Maharashtra | 7.45 |
| Canara Bank | 7.4 |
| Indian Bank | 7.3 |
| Central Bank of India | 7.5 |
| Punjab & Sind Bank | 7.45 |
| Punjab National Bank | 7.25 |
| Indian Overseas Bank | 7.3 |
| State Bank of India | 7.25 |
| UCO Bank | 7.3 |
| Union Bank of India | 7.3 |
Highest FD Rates 2025 for Private Sector Banks
| Bank Name | Highest Interest Rates (% p.a.) |
| Axis Bank | 7.25 |
| Bandhan Bank | 8.05 |
| City Union Bank | 7.5 |
| CSB Bank | 8 |
| DBS Bank | 7.5 |
| DCB Bank | 8.05 |
| Dhanlaxmi Bank | 7.25 |
| Federal Bank | 7.5 |
| HDFC Bank | 7.4 |
| ICICI Bank | 7.25 |
| IDBI Bank | 7.4 |
| IDFC First Bank | 7.9 |
| Induslnd Bank | 7.99 |
| Karnataka Bank | 7.5 |
| Karur Vysya Bank | 7.6 |
| Jammu & Kashmir Bank | 7 |
| Nainital Bank | 7.05 |
| RBL Bank | 8 |
| SBM Bank India | 7.75 |
| South Indian Bank | 7.4 |
| Tamilnad Mercantile Bank | 7.6 |
| Yes Bank | 7.75 |
People need to note that RBI FD Interest Rate 2025 is a matter of changes according to deposit tenure, senior citizen status, and others. These can make significant changes in your interest rates for the deposit amount.
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Samarth Choudhary is a Chief Editor at keralacobank.com. He has overall editorial experience of 10 years in online media. He has completed his graduation from University of California and masters in Finance from University of Dallas in year 2010. His major interest and expertise is in Finance, Taxes, Government Aid and Schemes. His Major focus is to help users to get relevant information which are published on keralacobank.com in easy and precise form.